Save on 2013 Subaru Outback Insurance Quotes

Searching for cheaper insurance for a new or used Subaru Outback can normally be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to find car insurance online so we’re going to tell you the quickest way to quote coverages for a Subaru and locate the best price possible.

Comprehensive Car Insurance Comparison

Shopping for lower car insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You can spend countless hours driving to agents in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and at least one company then returns a price quote based on that information. This prevents consumers from doing quote forms to each company.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to getting quotes like this is you can’t choose the companies you will receive quotes from. So if you want to select specific providers to request quotes from, we have assembled a list of companies who write car insurance in your area. Click here to view list.

However you get your quotes, make sure you use identical coverages on every quote you get. If you compare different deductibles it will be impossible to decipher which rate is best.

Do drivers who switch really save?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as Allstate, Geico and Progressive. All the ads have a common claim of big savings if you change your policy.

How do they all make almost identical claims?

All companies have a certain “appetite” for the type of customer that earns them a profit. For example, a driver they prefer might be between 25 and 40, has no tickets, and drives newer vehicles. A propective insured who fits that profile will get very good rates and as a result will probably save quite a bit of money when switching.

Potential customers who do not match this ideal profile must pay a more expensive rate and this can result in the customer not buying. The ads say “people who switch” not “people who quote” save that much money. This is how companies can truthfully advertise the savings. This illustrates why it is so important to quote coverage with many companies. It’s not possible to predict which car insurance company will fit your personal profile best.

How to reduce 2013 Subaru Outback insurance rates

Car insurance companies do not list every available discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
  • Student Driver Training – Have your child take driver’s ed class if offered at their school.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Outback coverage than drivers with accident claims.
  • Defensive Driving Course – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Distant Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of companies offering insurance coverage discounts, click here.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether you would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have newly-aquired coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen drive my company car?
  • What is an SR-22 filing?
  • Does my insurance cover a custom paint job?
  • Am I covered if I drive in a foreign country?
  • How many claims can I have before being cancelled?
  • Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability – This coverage provides protection from injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like dental work, hospital visits and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive car insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from flooding, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage covers damage to your Outback from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Subaru Outback.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Affordable insurance is out there

People who switch companies do it for many reasons like unfair underwriting practices, high prices, policy cancellation and even denial of a claim. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

Cheap 2013 Subaru Outback insurance is available from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. Too many times, someone dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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